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How Much Insurance Do I Need?

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Finding the right type and amount of insurance can be a difficult task when there are so many options to choose from.  We think that creating a comprehensive financial plan is the first step in addressing insurance needs and bringing some clarity to the decision. Insurance helps you decrease your exposure to risk and transfer the amount of financial risk you take to your insurance provider.  How much risk do you want to transfer? How much risk should you retain? What type of insurance do you need to reduce this risk and fill in the gaps? All of these questions are valid and each one can be answered differently depending on your unique financial situation.

The article below, from the July issue of Financial Planning Magazine, examines risk and ways to effectively utilize insurance to decrease that risk. The author, Allen Roth,  suggests viewing insurance as one piece in your overall financial plan and using it in the correct manner to protect your assets and your family from catastrophic loss.  At Horizon we take an active approach in reviewing our clients’ insurance needs and managing risk properly. Contact us at Horizon Advisors for an experienced and comprehensive analysis of your insurance needs within your financial plan.

Link to article here.


Horizon Wealth Advisors is a Houston based fee-only wealth management firm. Horizon is a fiduciary advisor. We specialize in helping successful individuals and families understand, organize, and manage their often complex financial situations. Horizon offers integrated financial planning and investment management services.

Horizon Wealth Advisors
Horizon Wealth Advisors is a Houston-based, privately owned, fee-only financial advisor established in 1999. Our mission is to develop long-term relationships with thoughtful, successful individuals, families, and organizations by supporting and assisting them in achieving their financial goals.

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